W-2’s for 2 years. If not w-2; then we need tax returns for the last 2 years

If Self Employed; we will also need the business tax returns for the last 2 years

If Self Employment income reported on tax returns is low; we can qualify the client through the average deposits they made into a business or personal accounts. We will need bank statements (all pages) for 24 consecutive months.

Two forms of ID (Driver’s License and Passport)

ITIN doc from the IRS to verify the number

If Self Employed; we will also need the Articles of Incorporation for the business

Sales contract (if it’s a purchase transaction)

3 additional trade lines with 6 months of good payment history (if credit report doesn’t have much trade lines or if the Transunion credit score is not reporting)

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